Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 on a scale of 0 to 10). A current level of 18.5 percent of nonperforming loans to core capital combined with 33.5 percent from a year earlier contributes to the Weak asset quality (3.0).
Other Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) based on a risk-based capital ratio of 12.8 and a capital leverage ratio of 9.1. Weak liquidity 2.6, driven by a liquidity ratio of 20.3 percent and a “hot money” ratio of 10.0 percent.
Asset Mix:
Comm re (34%), securities (18%), comm loans (16%), home mtgs (12%), cash (4%), home eq lns (3%), consumer loans (0%), other (13%)
States with Branches:
MN, WI
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Coulee Bancshares, Inc.
Investment Rating
--
Address
1516 Losey Boulevard, South
La Crosse, WI 54601
La Crosse, WI 54601
Phone Number
(608) 784-9550
Year Founded
1961
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.